If you've ever worked toward a physical fitness goal, you know that becoming stronger, faster or leaner doesn't happen by accident nor does it happen overnight. The same is true of becoming financially fit. People who achieve true financial security and realize their dreams, don't get there by luck, but by design.

Happily, becoming financially fit is not as difficult as pumping iron, running laps or doing sit-ups. It just takes some planning today. And, this planning doesn't mean you have to be a rocket scientist, it is really easier than you think. Nonetheless, many people never attempt to map out a strategy for their financial fitness, let alone put it in practice.

They may believe their net worth isn't large enough, that they have too few assets to work with or perhaps they think organizing a long-range financial strategy is a costly, complex and time-consuming process. Some people believe they don't have the time, while others don't feel they have the financial know-how or know where to start.

The truth is that wealth could be the direct end result of developing a financial management program to address your needs today, tomorrow and for retirement. The real question is not, when will you be able to afford to retire. The real question is, will you be able to maintain your quality of life after retirement. The question you need to ask yourself is whether Social Security and your current retirement savings will be enough to meet your needs.

There is no time like the present to plan for your future. Our Financial Planning representative can review your present financial situation and work with you to develop a personal game plan for a stronger financial future. David and Lee can show you how to put your financial plan into action by sharing ideas that can help you:

You owe it to yourself to make this investment in yourself. Our financial planner can help you put your money to work, and make it work harder and smarter for your and your family today! Call 865-481-4964 to set up a personal consultation and financial planning review.

These products are NOT insured by NCUA, are NOT deposits, are NOT obligations of, or guaranteed by Y-12 Federal Credit Union and are subject to investment risks. Investment risk includes possible loss of the principal amount invested.